Family Umbrella Coverages

More Protection with an Umbrella Policy

Umbrella insurance is not just for the wealthy. With the common occurrence of lawsuits, it is a must for every home, auto and watercraft owner. As many Americans are finding out, you don't have to be a millionaire to be sued like one.

Cooke Insurance Agency offers an Umbrella policy to supplement the basic liability coverage provided by our auto, home and boat policies.

Most Umbrella Policies Provide For:
  • Extra Liability Coverage beyond that provided in your underlying auto, home or boat policy.
  • Umbrella policy broadens your coverage.
  • involved in a lawsuit? you have the security of a higher limit liability protection.
Get Peace of Mind Without A Large Added Cost

Our Umbrella Policy is inexpensive considering the added coverage you get.

Umbrella insurance covers your non-business activities anywhere in the world.

No one should be without an Umbrella policy! Excess Liability

Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. Also, if something is not covered in your homeowners policy , and it's not specifically excluded in the excess liability policy, you're covered.

Coverage Provided Excess liability coverage provides:
  • Protection for covered claims by others for personal injury or property damage caused by you, members of your family/household, or hazards on your property for which you are legally liable
  • Personal liability coverage for occurrences on or off your premises
  • An additional layer of protection above your primary auto policy against auto-related liabilities
  • Protection against non-business related personal injury liabilities such as slander, libel, wrongful eviction or false arrest
  • Legal defense costs for a covered loss. Lawyer fees and associated court costs are covered
  • With exceptions of situations involving foreign ownership of dwellings or cars, worldwide coverage is usually in effect.

Depending on the type of accident, your homeowners, auto or boat policy liability limits are used up first, then the excess liability policy covers all remaining costs (up to the amounts of coverage you purchased). For example, if your neighbor dove into your swimming pool and broke his neck, your homeowners liability coverage would pay for the first $300,000 in damages. Your excess liability policy would cover the rest (including associated legal fees) up to the one million dollar policy amount that you had purchased.

Most companies require that you carry certain limits on your primary insurance policies (homeowners, auto and boat) in order to receive excess liability coverage. For example Travelers of Florida requires the following primary liability limits: $300,000 for homeowners, $500,000 per person/$500,000 per accident for auto and $300,000 for boat/yacht coverage.


Often, insurance policies are defined not by what they cover, but by what they don't. This is especially true for excess liability products. If something is not specifically excluded, you're covered. Exclusions vary widely by company so be certain to contact Cooke Insurance Agency by Email or 850 279 4643 for specific details.

The Following are some Common Exclusions:
  • damages expected or intended by the insured
  • damages arising out of business or professional pursuits.
  • liability "assumed" under contract or agreement.
  • liability arising out of ownership, maintenance, use, loading or unloading of aircraft.
  • liability arising out of ownership, maintenance or use of non-traditional watercraft such as jet skis, air boats or air cushions.
  • liability arising out of ownership, maintenance or use of most recreational vehicles. Only snowmobiles and golf carts are covered.
  • damages to property you take care of, own or use.
  • damages covered under a Workman's Compensation policy.
  • liability arising out of war or insurrection.